Our Mission
SIP & SWP Calculator was built to help investors worldwide — including India, USA, UK, and beyond — visualize the power of systematic investing and plan their retirement income with confidence.
What Makes Our Calculator Different
Step-Up SIP
We're one of the few calculators that model annual step-up (top-up) SIPs, which is how real investors actually invest as their income grows.
SIP + SWP in One
Seamlessly model both the accumulation phase (SIP) and the distribution phase (SWP retirement income) in a single simulation.
Step-Up SWP
Adjust your withdrawals for inflation with annual step-up, something most calculators don't support.
100% Free
No account required, no data collection, no ads. Your financial data stays securely in your browser.
Commitment to Accuracy
All financial data, tax rates, and formulas are verified against official sources:
- • AMFI India
- • SEBI
- • Income Tax India
Last verified: March 2026
Disclaimer
This calculator is for educational and illustrative purposes only. The projections do not account for exit loads, expense ratios, or extreme market volatility. We are not registered financial advisors. Please consult a SEBI-registered advisor before making investment decisions.
Contact: help@sipswpcalculator.com
Sumeet Boga
Software Engineer & Finance Enthusiast
Sumeet combines software engineering expertise with a deep passion for personal finance. Having experienced firsthand the lack of transparent, free financial planning tools in India, he built SIP Calculator to bridge the gap between complex financial mathematics and accessible, visual planning.
His focus areas include mutual fund investing, tax-efficient retirement planning, and building tools that automate financial decision-making.
Start Planning Your Financial Future
Our free SIP & SWP calculator helps you visualize exactly how your investments grow and plan for a comfortable retirement.
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